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REDDIT

Asset allocation for continuous USD devaluation

C
Feb 2, 2026 · 00:55

Hi all, I am re-thinking my asset allocation for 2026 and beyond with continuous dollar devaluation in mind.

(Probably I am partially late to the party)

Currently I am:

\- 50/50 VTSAX & QQQM

\- 6 month of living expenses in HYSA.

Thinking to change is to the following:

25% VTSAXX

25% QQQM

50% VEA for regular brokerage

The question is what to do with IRA/401k accounts.

Any recommendations on the international funds/ETF to look into?

I am mostly on Vanguard.

Thank you!